Wholeness Financial

The firm defines wholeness as the alignment of a client's financial capital with their most deeply held life priorities—health, family, vocation, and community. It rejects the traditional planning assumption that retirement accumulation is the primary goal, instead treating the portfolio as a flexible funding mechanism for a whole, intentional life at every stage. The investment policy statement is co-authored after a values-clarification process, not just a risk-tolerance survey.

The practice typically charges a retainer or flat-fee arrangement rather than a pure assets-under-management percentage. This structure aims to compensate the advisor for life-planning and coaching time, not merely for portfolio assembly and monitoring. It reduces the economic pressure to consolidate all of a client's assets under one roof and aligns the advisor's incentives with holistic advice rather than asset gathering.

No. The firm operates on an open-architecture platform, selecting third-party ETFs, mutual funds, and separately managed accounts. It does not manufacture or sub-advise its own fund products. The advisory value proposition centers on portfolio construction methodology and life-purpose integration, not on generating investment product revenue.

It is neither. The firm operates as a boutique registered investment advisory practice, not a family office. Its client base consists of individuals and households seeking integrated advice, rather than a single ultra-high-net-worth family. The firm does not provide consolidated family-office services such as tax preparation, bill pay, or household staff management.

Life coaching is embedded as a prerequisite to portfolio design. Before any asset allocation decision, the advisor facilitates a structured discovery process that surfaces a client's non-financial objectives across categories such as health, relationships, career, and spiritual practice. The resulting investment mandate is written to serve those objectives, and regular reviews assess both financial returns and life-satisfaction progress. This dual mandate is the firm's core structural differentiator.